Apple Card contributes to another $667 million loss for Goldman Sachs: ‘We did not execute well’

wait what?

the primary cause is loan-loss provisions which are when a bank has to compensate for greater than expected unpaid credit card balances and loans.

Sooo Apple Card users used more credit on their credit cards than expected?
I thought that was good for banks? Don't you have to pay interest on that? I'm not entirely sure, because I'm not used to the (in my view primarily american) credit card system of "paying off credit cards", which I know mostly from TV.
The only way this makes sense seems to be if you don't pay any interest if you return the money in a certain timeframe. That would mean the Bank effectively has to eat the interest-cost, and could have more cost.

$659 million in quarterly revenue
...
Goldman had $544 million in credit losses and $987 million for operating expenses

Credit loss: a loss that a business or financial organization records, which is caused by customers not paying money they owe

So, the division had only 660 Million Revenue, lost 544 million to people not paying their debt (is that money gone, or are those people still owing that money to Goldman?) and paid nearly a billion to operate this for a single quarter?
dafuq?

Is Apple Card in danger if Goldman does their best to pull the plug?